Your money, held safely. Until both sides are happy.
Every order on noizu.direct is escrow-protected. Funds sit with a regulated processor — not the creator, not the platform — until delivery is confirmed. If something goes wrong, we step in.
- Every order protected
- Funds held, not forwarded
- Neutral dispute review
Four stages. One promise.
- 01
Buy
Buyer pays. Card is charged.
- 02
Hold
Funds sit in escrow, not in the creator’s balance.
- 03
Confirm
Delivery triggers the release window.
- 04
Release
Window closes. Funds land in creator payout queue.
How long the funds stay in escrow
Each product type has a different window, calibrated to the real-world delivery risk.
Digital files
From first download (or 7 days after purchase, whichever first)
Physical goods
After courier marks delivered
Print-on-demand
Covers production + ship + delivery confirmation
Commissions
Per milestone acceptance (or 14 days after final delivery)
If you pay, you get what you paid for
Six scenarios covered by escrow. Refund issued by the platform from the held funds — you don’t chase the creator.
Never arrived
Tracking shows no delivery past the window. Full refund from escrow, not the creator.
Arrived damaged
Broken, crushed, or water-damaged. Submit unboxing photos within 48h for refund or replacement.
Not as described
Wrong item, wrong size, missing pieces, significantly different from listing photos.
Unauthorized charge
Card used without your consent. Report within 7 days — we freeze the transaction instantly.
Counterfeit item
Listed as a named-brand product but isn’t. Full refund plus account review of the creator.
Creator went silent
No response for 7 days on a pending physical order. Auto-refunded from escrow.
If you deliver, you get paid
Escrow works both ways. Dishonest buyers cost creators real money on other platforms — here, evidence wins.
Chargeback shielded
With tracking + delivery confirmation, we contest bank chargebacks on your behalf and bear the fee on wins.
5-day response window
You get 5 days to submit evidence on any dispute. Silence from buyer after that closes the case in your favour.
Neutral review
A human on the platform team makes the call — not an algorithm, not the buyer’s word alone.
No buyer’s remorse
“Changed my mind” is not a covered reason. Escrow releases if the item matches the listing.
What happens when something goes wrong
Disputes rarely happen — under 1% of orders. When they do, this is the path.
Raise a dispute
BuyerBuyer opens a claim from the order page within the protection window.
Submit evidence
CreatorBuyer uploads photos, tracking, or messages. Creator has 5 days to respond.
Platform reviews
PlatformHuman reviewer reads both sides. May ask clarifying questions.
Decision
PlatformFull refund, partial refund, replacement, or release to creator — whichever matches the evidence.
Execution
PlatformAutomatic. Refund hits the original card within 3–10 days. Release hits the payout queue.
What escrow does not cover
- Buyer’s remorse or sizing mistakes you could have checked
- Minor colour variance within normal print tolerance
- Expected wear on fabric, paper, or sculpt over time
- Loss after delivery confirmation (porch theft — file with courier)
- Claims raised after the protection window closes
- Chargebacks filed without contacting the creator first
For scenarios outside escrow, the creator may still offer a voluntary refund or exchange. Talk to them first through the order messages.
The fine print, in plain English
Who holds the money during escrow?
A regulated payment processor (Airwallex) holds the funds in a segregated merchant account. noizu.direct does not custody the money — we only instruct release or refund based on the evidence. This means even if the platform went offline, the funds would still be recoverable.
Can a buyer chargeback after confirming delivery?
Buyers have 60–180 days at the card-network level to file a chargeback regardless of platform rules — that’s the bank’s decision, not ours. However, with valid tracking, proof of delivery, and matching item photos, noizu.direct defends the creator and absorbs the contest fee on wins. Cases without tracking are much harder to defend.
What if the creator disappears mid-commission?
Commissions release per milestone. If a creator goes unresponsive for 14 days on an accepted milestone, the buyer can escalate and we refund the undelivered portion from the remaining escrow balance. Delivered milestones stay paid.
Are digital downloads really protected?
Yes — within scope. Non-delivery (file didn’t download) and file-significantly-differs-from-listing (wrong file, corrupted, empty) are covered for 7 days. Change-of-mind after downloading a working file is not covered, for obvious reasons.
What counts as valid evidence?
For buyers: unboxing video, dated photos, screenshots of listing vs received item, tracking. For creators: tracking with delivery confirmation, photos taken before dispatch, messages acknowledging receipt, dated studio photos for commissions.
Does escrow cover shipping fees?
Yes. If an order qualifies for a full refund, the buyer’s shipping charge is refunded too. If a buyer returns an item by choice (not due to fault), return shipping is their responsibility.
Shop with confidence.
Every order is escrow-protected. Independent SEA creators, safer than paying by DM.
Browse marketplaceSell without fear of chargebacks.
Deliver, document, get paid. We defend valid orders against bad-faith claims.
Start sellingFull rules and binding terms are in the Terms of Service. Escrow policy may be updated with 30 days notice.